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A fee will be charged for cash withdrawals on credit at ATMs in the following cases: ATMs of the BBVA group in Spain : 4% (€4 minimum) ATMs of banks other than the BBVA Group in Spain : for cash withdrawals in euros on credit by card at ATMs belonging to banks that are not part of the BBVA Group in Spain, BBVA will charge the same amount as the fee it is charged by the bank that owns the ATM. This amount will be provided by the bank that owns the ATM before the cash withdrawal. Likewise, BBVA will charge the fee for cash withdrawals on credit stipulated for BBVA Group ATMs in Spain. This fee is in addition to the fee charged by BBVA. ATMs located outside of Spain : 5% (minimum €3). A fee will be charged for cash withdrawals on debit at ATMs in the following cases: ATMs of the BBVA group in Spain : 0%. ATMs of banks other than the BBVA Group in Spain : for cash withdrawals in Euros using a debit card at ATMs belonging to a bank that is not part of the BBVA Group in Spain, BBVA will pass on the fee it was charged to perform the transaction by the bank that owns the ATM. This amount will be provided by the bank that owns the ATM before the cash withdrawal. ATMs located outside of Spain : 4.5% (minimum €3.5).

What is the limit on the Repsol más Visa Platinum Card?

The limit may be between €9,000 and €30,000.

What is the settlement period and when is the monthly bill charged to the account?

The settlement period starts on the 20th of the month and ends on the 20th of the following month. On the 20th of each month, a bill is issued for the total of all the purchases you made with your credit card during this period. If the 20th is not a business day, it will be issued on the preceding business day. You can choose the bill charge date : the 21st of the settlement month or the 5th of the following month , and you can change it at any time. Although if you opted for deferred payments, you will have to pay interest from the settlement date until the payment date. If you change the debit date before the 20th of the month, it will take effect in that month's settlement. If you change it between day 20 and 30 of the month, the change will take effect in the settlement for the following month. Deferred payments are settled on the last business day of the month. This day (30th or 31st), the bill corresponding to the settlement is issued, and then charged to the account on the 5th of the following month .

Can I change my payment terms?

Yes, you can change the date at any time. If you change the debit date before the 20th of the month, it will take effect in that month's settlement. If you change it between day 20 and 30 of the month, the change will take effect in the settlement for the following month.

What happens if I exceed my credit limit?

If that happens, you'll be able to use up to 20% more. A 3% fee is applied to the extra amount you use, with a minimum of €6 and a maximum of €12.

How will I know how much I have spent?

Every month you will receive a detailed report of all the payments made and cash withdrawn from ATMs using your credit card.

Can I request more associated cards?

Yes, you can request an additional card for other users. These cards will be associated to the same account and will share your same credit limit.

What is the fee for using the card outside the eurozone?

A fee of 3.00% will be charged on the amount resulting from the equivalent value in euros of all transactions made outside the eurozone based on the exchange rate obtained by the Payment Systems on the date on which they carry out the corresponding settlement.

Pre-contractual information document for payment services

By law, we have to provide you with a standard document with the pre-contractual information on payment services to help you better understand its main features and so you can compare with other cards and make an informed decision. Open document .

See the European regulation, PSD2, on electronic payment services here. See document

Repsol Platinum Card

Save up to 7 cents/liter at Repsol, Campsa and Petronor gas stations.
5% discount in stores and on lubricants, car washes and Blue+ at gas stations of the Repsol Group.
No credit card issue and maintenance fee in the first year.
Accident insurance for up to €1,250,000.

Pay for your card expenses however you like

With the Repsol más Visa Platinum Card, you can buy whatever you need and get flexible payment terms. Select the payment method you want and change it at any time.

Full payment: pay your monthly credit card bill on the 21st of the same month or the 5th of the following month.

Deferred revolving payment: pay a fixed amount of the bill on the 21st of each month, with interest. You can also do so on the 5th of the following month, although you will have to pay interest on the amount until the payment date.

Defer any purchase instantly

The personalized payment revolving lets you defer your monthly card payment or any purchase of at least €50. You can choose from 3 to 6 months (no fee) or from 7 to 36 months (with interest). Calculate your payment in the app or at bbva.es.

BBVA Payment Protection Insurance protects you against the unexpected if you can't make your credit card payments.

Do you want to pay less?

The Repsol más Visa Platinum Card lets you save on fuel costs:

3-cent discount on the spot per liter of Efitec 95 Neotech, Diésel e+ Neotech and AutoGas.

5-cent discount on the spot per liter of Efitec 98 Neotech and Diésel e+ 10 Neotech.

Quarterly discount of 2 cents/liter if you refuel at least 250 liters during the quarter. Refunded by way of a fuel check to be used at Repsol Group gas stations within 3 months after its issue.

Waiver of the annual issue and maintenance fee of the debit card for refueling at least 500 liters in a year (maximum value of €45). A fuel check is refunded, to be used in Repsol Group gas stations 3 months after its issue.

You will also get 5% off in stores and on lubricants, car washes and Blue+ of the Repsol Group, and other benefits, which you can check on the Repsol website.

With the advantages of being with BBVA

With the Repsol más Platinum Visa card You will obtain a series of additional benefits:

Security at ATMs.

Protection against fraudulent use of the card.

Accident insurance of up to €1,250,000.

Travel insurance.

You can purchase BBVA Payment Protection Insurance to protect you against the unexpected if you can't make your credit card payments.

New Travel Pack

Save on fees when paying and withdrawing money abroad with your card. Enable it and disable it whenever you want from the BBVA app.

More information

Would you like more information?

The first year does not have annual credit card issuance and maintenance fee. From the second, this fee is €90 (€45 for additional cards).

What is the interest on a deferred purchase or bill (personalized payment)?

With the personalized payment revolving, you can defer the payment of any purchase made with the card or the monthly amount owed, provided this amount is at least €50.

The monthly payments will be for a fixed amount (which includes principal and interest if it is a personalized payment with interest, or principal and fees if it is a personalized payment with fee) and will depend on the term you choose, from a minimum of 3 months to a maximum of 36 months. This amount will be charged to the account on the 5th of each month.

The first payment in both cases is different:

For a personalized payment with interest, it only includes interest.

For a personalized payment with fee, a deferral fee is also included.

Once you take out the card, you can use both the BBVA app and bbva.es to calculate your monthly payment based on the repayment period you choose.

Personalized payment example revolving with interest:

Interest rate: 18% annually.

Credit limit: €3,000.

Yearly credit card issue and maintenance fee: €90.

You take out the Repsol Más Visa Platinum Card with a limit of €3,000. That same day, for example, May 1, you make a purchase for the same amount and choose to defer it over 12 months. This is what you would have to pay:

The first installment will be for €134.38, which includes only interest and the annual credit card issuance and maintenance fee, which is €90.

The next 11 installments will be for €297.88 each.

The total amount payable will be €3,411.06 and the APR will be 26.05%.

Personalized payment example revolving with fee:

Deferral fee: 2.9%, 3.6% 4.3% or 5% of the amount financed, depending on the period chosen (3, 4, 5 or 6 months).

Credit limit of €3,000.

Annual credit card issuance and maintenance fee: €90.

Below are some examples of personalized payments revolving with a fee over 3 to 6 months. The NIR is 0% in every case

You take out the Repsol Más Visa Platinum Card with a limit of €3,000. That same day, for example, May 1, you make a purchase for the same amount and choose to defer it over 6 months. This is what you would have to pay:

The first installment will be for €740 and includes part of the principal, the deferral management fee, which is 5% of the amount financed, and the annual credit card issuance and maintenance fee, which is €90.

The next 5 installments will be for €500 each.

The total amount payable will be €3,240 and the APR will be 32.60%

If you choose to defer it over 5 months, this is what you will have to pay:

The first installment will be for €819 and includes part of the principal, the deferral management fee, which is 4.3% of the amount financed, and the annual credit card issuance and maintenance fee, which is €90.

The next 4 installments will be for €600 each.

The total amount payable will be €3,219 and the APR will be 34.83%

If you choose to defer it over 4 months, this is what you will have to pay:

The first installment will be for €948 and includes part of the principal, the deferral management fee, which is 3.6% of the amount financed, and the annual credit card issuance and maintenance fee, which is €90.

The next 3 installments will be for €750 each.

The total amount payable will be €3,198 and the APR will be 38.03%

If you choose to defer it over 3 months, this is what you will have to pay:

The first installment will be for €1,177 and includes part of the principal, the deferral management fee, which is 2.9% of the amount financed, and the annual credit card issuance and maintenance fee, which is €90.

The next 2 payments will be for €1,000 each.

The total amount payable will be €3,177 and the APR will be 43.14%

This system applies only to each specific settlement for which it is requested.

The APR in these representative examples was calculated based on an amount greater than €1,500, since it is not possible to get this card with a €1,500 credit limit.

What interest do deferred revolving payments have?

With the deferred payment revolving, you can pay a fixed amount of your card bill each month. This payment method charges interest.

Interest rate: 17.52%.

Credit limit of €3,000.

Yearly credit card issue and maintenance fee: €90.

The monthly payment settlement date is the 20th of each month, but if you have chosen to pay the bill on the 5th and you opted for the deferred payment, you will have to pay interest from the settlement date until the payment date.

The minimum monthly amount is €12, and you can choose any higher amount.

The payment chosen is used to pay the interest and agreed expenses first, and then to repay the loan or the balance you draw down. Because of this, selecting lower payments could lead to a smaller proportion of the principal being repaid every month.

Once you take out the card, you can use both the BBVA app and bbva.es to calculate the repayment period based on your chosen payment method, as well as the total interest payable, if any.

You can also use the Bank of Spain's revolving card simulator to calculate the approximate total card payment or the final payment date, based on the expense and the payment method chosen.

Remember that you can change the payment method for your card whenever you want.

Example of deferred revolving payment with fixed amount

This example complies with the information requirements of Order EHA/1718/2010, which governs and controls the advertising of banking services and products, the conditions of which may not correspond to those of the contract.

If you make a purchase for €1,500 with an NIR of 17.52% and you choose to make a fixed monthly payment of €43.69, you would have to pay:

48 monthly payments of €43.69.

The total amount payable will be €2,456.98 and the APR will be 31.42%,

The calculation of the APR and the total amount payable takes into account the €90 card issuance and maintenance fee, which is charged annually.

IMPORTANT: With the settlement system of the Repsol Más Visa Platinum Card, it isn't always possible to repay the credit in 48 equal monthly installments because the minimum amount payable is 3% of the balance drawn. This means that every month, you will pay the higher of the following amounts:

The selected fee, made up of principal, interest and fees.

Or 3% of the credit drawn before settlement, plus the interest and fees for the period.

If you get this card and on the same day, for example, May 1, 2020, you make a purchase for 1,500 euros and choose to make payments of 37.71 euros on the 5th of each month, the total amount payable over 48 months, assuming an NIR of 17.52%, would be €2,381.83. The APR will be 33.49%.

The calculation of the APR and the total amount payable takes into account the €90 card issuance and maintenance fee, which is charged annually in the month when the card is issued. This fee is part of the balance financed.

Remember that if you decide to pay the bill on the 5th of the month, you will have to pay interest from the settlement date until the payment date.

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Repsol más Platinum Visa card

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